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Popular Questions FAQs

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A loan refinance through OppLoans allows you the opportunity to apply and, if approved, receive more money. You do this by applying to reborrow part of what you’ve paid toward the principal on your existing loan. (Those who qualify may be able to receive more.) If your application is approved by us or one of …
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There are multiple reasons the bank verification step may not be successful. Below are the most common errors and tips for success:

Ensure you are using a stable Internet / Wifi connection.
If your banking institution is not listed, you can manually upload 30 days worth of bank statements through your online portal. Log into your OppLoans …
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Installment loans are available through the OppLoans platform, which are unsecured, closed-ended loans that are repaid according to a set term and schedule where each payment is an equal portion of the total amount borrowed and accrued interest. For more information, please see our Rates and Terms.

The rates and terms for the products offered through OppLoans are specific to your state of residence. Please visit our Rates and Terms page to see rules specific to your state.

We do not currently accept applications by phone. However, our online application process is quick and easy—we promise! Just click “Apply Now” at the top of this page or visit Apply Now to begin the application on your computer, smartphone or tablet!

You cannot cosign on behalf of another applicant, nor can someone cosign on your behalf. You must apply on your own to qualify for a loan.

There are some instances where proof-of-income is required prior to your application being approved, including:

If you receive alimony
If you receive disability benefits
If you receive social security benefits
If you reside in IL or NV a paystub is required

Proof-of-income may include a government benefits award letter or a recent bank statement displaying regular deposits. Alimony, child support, …
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A loan funded through one of our lending partners will reflect on your credit report both as OppLoans and the name of the partner in question.
For FinWise Bank Loans
Reporting on your account will show up on your credit report as “FinWiseOppLoans” (TransUnion) OR “FinWise/OppLoans” (Non-TransUnion).
For First Electronic Bank Loans
Reporting on your account will show up …
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It’s important to OppLoans to offer easy and convenient ways to pay back your loan. The most popular and preferred method for many customers is through electronic fund transfer (EFT).
We also offer a recurring payment option of remotely created checks, debit card, and paper check options. For one-time payments, we accept debit cards and EFT. …
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Consumer products offered through the OppLoans website range from $500 to $4,000, but your eligibility will depend on your state of residence, your income and ability to repay, and your creditworthiness. For more information about the product options and lender(s) in your state, please visit our Rates and Terms page.

Click on “Log in,” which is located in the upper right-hand corner. Then click on “Forgot password.” Otherwise you can click directly here. You will be prompted to change your password. Please make sure to enter the email address you used to apply with us. When you change your password, the new password must …
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OppU is a national standards-aligned personal finance curriculum designed to teach essential concepts like saving, budgeting, credit education, and more. OppU can help you master your money with fun and free videos and quizzes. For more information, click here –

© 2022 Opportunity Financial, LLC. All Rights Reserved. Use of Opportunity Financial, LLC is subject to our Terms of Use and Privacy Policy.

California Disclosures and Privacy Policy | California Consumers can opt-out of the sale of personal information by clicking Do Not Sell My Personal Information.

Applications submitted on this website may be originated by one of several lenders, including: Opportunity Financial LLC, a licensed lender in certain states; or one of our lending partners. All loans originated by our lending partners will be serviced by OppLoans.

NV Residents: The use of high-interest loans services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

1Subject to credit approval and verification. Actual approved loan amount and terms are dependent on standard underwriting guidelines and credit policies. Funds are typically deposited via ACH for delivery for next business day if verification is completed and final approval occurs before 8:00 PM CT, Monday-Friday. Availability of the funds is dependent on how quickly your bank processes the transaction.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

If you have questions or concerns, please contact the Opportunity Financial Customer Support Team by phone at (800) 990-9130, Monday – Friday, 7 a.m. – 11:30 p.m. and Saturday and Sunday between 9 a.m. – 5:00 p.m. Central Time, or by sending an email to

California Residents, view the California Disclosures and Privacy Policy for info on what we collect about you.